The 'Care Home Insurance' Web Site is comprised of various Web sites and Web pages operated by Care Home Insurance or its affiliates (collectively, the "Care Home Insurance Web Sites").

The Care Home Insurance Web Sites are offered to you conditional on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Care Home Insurance Web Sites constitutes your agreement to all such terms, conditions, and notices.

In the event that any of the terms, conditions, and notices contained herein conflict with other terms and guidelines contained within any particular Care Home Insurance Web Site, then these terms shall control.

PRIVACY AND PROTECTION OF PERSONAL INFORMATION

See the Privacy Statement

MEMBER ACCOUNT, PASSWORD, AND SECURITY

We require you to open an account to do so you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form. You then choose a password and a user name. You are entirely responsible for maintaining the confidentiality of your password and account. Furthermore, you are entirely responsible for any and all activities that occur under your account. You agree to notify Care Home Insurance Ltd immediately of any unauthorized use of your account or any other breach of security. Care Home Insurance will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by Care Home Insurance or another party due to someone else using your account or password. You may not use anyone else's account at any time, without the permission of the account holder.

MODIFICATION OF THESE TERMS OF USE

Care Home Insurance reserves the right to change the terms, conditions, and notices under which the Care Home Insurance Sites/Services are offered, including but not limited to the charges associated with the use of the Care Home Insurance Sites/Services. You are responsible for regularly reviewing these terms and conditions and additional terms posted on particular websites. Your continued use of the Care Home Insurance Sites/Services constitutes your agreement to all such terms, conditions, and notices.

PERSONAL AND NON-COMMERCIAL USE LIMITATION

Unless otherwise specified, the Care Home Insurance Sites/Services are for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Care Home Insurance Sites/Services.

LINKS TO THIRD PARTY SITES

The Care Home Insurance Sites/Services may contain links to third party Web sites ("Linked Sites"). The Linked Sites are not under the control of Care Home Insurance and Care Home Insurance is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Care Home Insurance is not responsible for web casting or any other form of transmission received from any Linked Site nor is Care Home Insurance responsible if the Linked Site is not working appropriately. Care Home Insurance is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Care Home Insurance of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites.

Any dealings with third parties (including advertisers) included within the Care Home Insurance Sites/Services or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the advertiser or other third party. Care Home Insurance shall not be responsible or liable for any part of any such dealings or promotions.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the Care Home Insurance Sites/Services, you will not use the Care Home Insurance Sites/Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Care Home Insurance Sites/Services in any manner, which could damage, disable, overburden, or impair any Care Home Insurance Site/Service(s) (or the network(s) connected to any Care Home Insurance Site/Service(s)) or interfere with any other party's use and enjoyment of any Care Home Insurance Site/Service(s). You may not attempt to gain unauthorized access to any Care Home Insurance Site/Service, other accounts, computer systems or networks connected to any Care Home Insurance Site/Service, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Care Home Insurance Sites/Services.

USE OF SERVICES

The Care Home Insurance Sites/Services may contain e-mail services, bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, photo albums, file cabinets and/or other message or communication facilities designed to enable you to communicate with others (collectively, "Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and, when applicable, related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

• Use the Communication Service in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicative or unsolicited messages (commercial or otherwise).
• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
• Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
• Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents to do the same.
• Upload files that contain viruses, Trojan horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another.
• Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
• Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
• Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
• Restrict or inhibit any other user from using and enjoying the Communication Services.
• Violate any code of conduct or other guidelines, which may be applicable for any particular Communication Service.
• Harvest or otherwise collect information about others, including e-mail addresses.
• Violate any applicable laws or regulations. Create a false identity for the purpose of misleading others.
• Use, download or otherwise copy, or provide (whether or not for a fee) to a person or entity any directory of users of a Care Home Insurance Site/Service(s) or other user or usage information or any portion thereof.

Care Home Insurance has no obligation to monitor the Communication Services.

However, Care Home Insurance reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Care Home Insurance reserves the right to terminate your access to any or all of the Communication Services at any time, without notice, for any reason whatsoever.
Care Home Insurance reserves the right at all times to disclose any information as Care Home Insurance deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Care Home Insurance's sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Care Home Insurance does not control or endorse the content, messages or information found in any Communication Service and, therefore, Care Home Insurance specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Care Home Insurance spokespersons, and their views do not necessarily reflect those of Care Home Insurance.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination; you are responsible for adhering to such limitations if you download the materials.

MATERIALS PROVIDED TO Care Home Insurance OR POSTED AT ANY Care Home Insurance WEB SITE

Care Home Insurance does not claim ownership of the materials you provide to Care Home Insurance (including feedback and suggestions) or post, upload, input or submit to any Care Home Insurance Site/Service or its associated services for review by the general public (each a "Submission" and collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Care Home Insurance, its affiliated companies and necessary sub licensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. Care Home Insurance is under no obligation to post or use any Submission you may provide and Care Home Insurance may remove any Submission at any time in its sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

SOFTWARE AND CONTENT AVAILABLE THROUGH THE Care Home Insurance SITES/SERVICES
All content and software (if any) that is made available to view and/or download in connection with the Care Home Insurance Sites/Services, excluding content and/or software that may be made available by end-users through a Communication Service ("Software") is owned by and is the copyrighted work of Care Home Insurance Corporation and/or its suppliers and is protected by copyright laws and international treaty provisions. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.

For any Software not accompanied by a license agreement, Care Home Insurance Corporation hereby grants to you, the user, a revocable personal, non-transferable license to use the Software for viewing and otherwise using the particular Care Home Insurance Site/Service in accordance with these Terms of Use, and for no other purpose provided that you keep intact all copyright and other proprietary notices. Any reproduction or redistribution of the content and/or Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. Without limiting the foregoing, copying or reproduction of the content or software to any other server or location for further reproduction or redistribution is expressly prohibited.

LIABILITY DISCLAIMER

The information, software, products, and services included in or available through the Care Home Insurance sites/services may include inaccuracies or typographical errors. Changes are periodically made to the Care Home Insurance sites/services and to the information therein. Care Home Insurance and/or its respective suppliers may make improvements and/or changes in the Care Home Insurance sites/services at any time. Advice received via the Care Home Insurance sites/services should not be relied upon for personal, medical, and legal or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation.

Care Home Insurance limited and/or its respective suppliers make no representations about the suitability, reliability, availability, timeliness, lack of viruses or other harmful components and accuracy of the information, software, products, services and related graphics contained within the Care Home Insurance sites/services for any purpose.

All such information, software, products, services and related graphics are provided "as is" without warranty of any kind. Care Home Insurance and/or its respective suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, services and related graphics, including all implied warranties and conditions of merchantability, fitness for a particular purpose, workmanlike effort, title and non-infringement.

You specifically agree that Care Home Insurance shall not be responsible for unauthorized access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through an Care Home Insurance site/service. You specifically agree that Care Home Insurance is not responsible or liable for any threatening, defamatory, obscene, offensive or illegal content or conduct of any other party or any infringement of another's rights, including intellectual property rights. You specifically agree that Care Home Insurance is not responsible for any content sent using and/or included in a Care Home Insurance site/service by any third party.

In no event shall Care Home Insurance and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Care Home Insurance sites/services, with the delay or inability to use the Care Home Insurance sites/services or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the Care Home Insurance sites/services, or otherwise arising out of the use of the Care Home Insurance sites/services, whether based on contract, tort, negligence, strict liability or otherwise, even if Care Home Insurance or any of its suppliers has been advised of the possibility of damages. If you are dissatisfied with any portion of the Care Home Insurance sites/services, or with any of these terms of use, your sole and exclusive remedy is to discontinue using the Care Home Insurance sites/services.

GENERAL TERMS REGARDING USE AND STORAGE

You agree that Care Home Insurance may establish limits concerning use of any service offered on an Care Home Insurance Website, including without limitation, the maximum number of days that e-mail messages will be retained by the service, the maximum number of e-mail messages that may be sent from or received by an account on the service, the maximum size of an e-mail message that may be sent from or received by an account on the service, the maximum disk space that will be allotted on Care Home Insurance's servers on your behalf, and the maximum number of times and duration you may access the service in a given period of time.

You agree that Care Home Insurance has no responsibility or liability for the deletion, corruption or failure to store any messages or other content maintained or transmitted by the service. You acknowledge that Care Home Insurance reserves the right to delete accounts that are inactive for an extended period of time.

Care Home Insurance Ltd makes no warranty that any service will be uninterrupted, timely, secure or error-free.

TERMINATION/ACCESS RESTRICTION

Care Home Insurance reserves the right, in its sole discretion, to terminate your access to any or all Care Home Insurance Sites/Services and the related services or any portion thereof at any time, without notice.

Care Home Insurance shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party.

NO SPAM; DAMAGES
Care Home Insurance will immediately terminate any account, which it believes, in its sole discretion, is transmitting or is otherwise connected with any Spam or other unsolicited bulk email. In addition, because damages are often difficult to quantify, if actual damages cannot be reasonably calculated then you agree to pay Care Home Insurance liquidated damages of £10.00 (Sterling) for each piece of Spam or unsolicited bulk email transmitted from or otherwise connected with your account, otherwise you agree to pay Care Home Insurance's actual damages, to the extent such actual damages can be reasonably calculated.

LANGUAGE

It is the express will of the parties that this agreement and all related documents have been drawn up in English.

GENERAL

The laws of the United Kingdom govern this agreement. You hereby irrevocably consent to the exclusive jurisdiction and venue of courts in United Kingdom in all disputes arising out of or relating to the use of the Care Home Insurance Sites/Services.

Use of the Care Home Insurance Sites/Services is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Care Home Insurance as a result of this agreement or use of the Care Home Insurance Sites/Services. You agree to indemnify and hold Care Home Insurance, its parents, subsidiaries, affiliates, officers and employees, harmless from any claim, demand, or damage, including reasonable legal fees, asserted by any third party due to or arising out of your use of or conduct on the Care Home Insurance Sites/Services. Care Home Insurance reserves the right to disclose any personal information about you or your use of the Care Home Insurance Sites/Services, including its contents, without your prior permission if Care Home Insurance has a good faith belief that such action is necessary to: (1) conform to legal requirements or comply with legal process; (2) protect and defend the rights or property of Care Home Insurance or its affiliated companies; (3) enforce the terms or use; or (4) act to protect the interests of its members or others. Care Home Insurance's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Care Home Insurance's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Care Home Insurance Sites/Services or information provided to or gathered by Care Home Insurance with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Care Home Insurance with respect to the Care Home Insurance Sites/Services and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Care Home Insurance with respect to the Care Home Insurance Sites/Services. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

COPYRIGHT AND TRADEMARK NOTICES:

All contents of the Care Home Insurance Web Sites are: Copyright of Care Home Insurance and/or its suppliers, 71 Bexley High Street, Bexley Kent DA5 1AA. All rights reserved.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.

ADDITIONAL TERMS

Subscription-Based Content. Some contents and/or services on Care Home Insurance may be offered to you conditional on your purchase of a subscription. If you elect to purchase subscription-based content/services and transmit to Care Home Insurance a subscription purchase request, you warrant that all information that you submit is true and accurate (including without limitation your credit card number and expiration date), and you agree to pay all subscription fees you incur plus all applicable taxes. If you have purchased an automatically renewing subscription, you will not be charged the monthly subscription fee after three months notice of cancellataion (but there are no refunds of subscription fees previously paid). No cancellation of access to free content and/or services or to non-renewing subscriptions is required. Your subscription is personal to you and the members of your household, and you may not transfer or make available your account name and password to others, including without limitation your co-workers. Any distribution by you of your account name and password may result in cancellation of your subscription without refund and in additional charges based on unauthorized use.

FEES; PAYMENT

Care Home Insurance reserves the right to charge listing fees for certain listings, as well as transaction fees based on certain completed transactions using the Services. Care Home Insurance further reserves the right to alter any and all fees from time to time, without notice.

You shall be completely responsible for all charges, fees, duties, taxes, and assessments arising out of the use of the Services.